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The risk of individual institutions, and I think that's consistent with a philosophy that we all support.

Additional capital at higher cost costs us to actually potentially impair lending or slow down our

lending. It may cause us to do other things from a competitive standpoint to cover the cost

of additional capital. Is that what U.S. Bank thinks? Mr. Seri. Thank you. We continue to have a

very simple business model, and although we are larger than we were a few years ago, the businesses that we're in are substantially the same.

Our capital levels since 2007 are actually 3x, what they were at that time. So we believe we have a very strong capital rating, which is reflected in our high debt rating.

Additional capital will increase the cost of debt.

Mr. Diamond, you spoke yesterday about additional requirements for regulatory capital

and liquidity standards and the impact it would have on the marketplace.

Will you speak to that?

Yes, sir.

So to give credit where

credit is due, Dodd-Frank accomplished a lot of what needed to be accomplished. Leaming Brothers

would not happen again. I think the regulator should take a victory lap for that. Having said that,

as often happens, you know, things went a little bit too far. So it's not just capital, liquidity

requirements, liquidity requirements,

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